| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 5850 WATERLOO ROAD, SUITE 240 COLUMBIA, MD 210451943 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $7K | $22K | 9.36% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | UNITED AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATEBEN, INC. EIN 20-1643248 PLAN CONSULTANT | Consulting (general) Service code 16 | — | $78K |
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $66K |
| MORGAN STANLEY EIN 26-4310632 NONE | Securities brokerage commissions and fees; Direct payment from the plan; Other fees; Investment advisory (plan); Securities brokerage; Other investment fees and expenses Service code 27 | — | $27K |
| RETIREMENT HORIZONS INC. EIN 76-0551734 NONE | Actuarial Service code 11 | — | $25K |
| CURTIS BLAKELY & CO INC. EIN 75-1545734 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| PHCS EIN 04-3138814 PPO PROVIDER | Contract Administrator Service code 13 | — | $10K |
| SAGE ADVISORY SERVICES LTD EIN 74-2798841 NONE | Investment management fees paid directly by plan Service code 51 | — | $5K |
| WILKINS FINSTON LAW GROUP EIN 27-5546855 NONE | Legal Service code 29 | — | $2K |
| ABBEY CAPITAL FUNDS EIN 39-0281260 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other fees; Other services Service code 15 | — | $0 |
| ALLIANZ INVESTORS EIN 06-1349805 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other fees; Other services Service code 15 | — | $0 |
| INVESCO FUNDS EIN 58-2287224 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Recordkeeping fees; Other fees Service code 15 | — | $0 |
| LIBERTY FUNDS EIN 39-1657495 NONE | Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $0 |
| LOCORR FUNDS EIN 39-1982827 NONE | Other services; Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| MORGAN STANLEY ADVISORS FUNDS EIN 36-3145972 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other fees; Other services Service code 15 | — | $0 |
| MORGAN STANLEY BANK, N.A. EIN 36-3707380 NONE | Other commissions; Other services; Securities brokerage Service code 33 | — | $0 |
| OPPENHEIMER FUNDS MLP EIN 13-2527171 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other fees Service code 15 | — | $0 |
| PIMCO FUNDS EIN 95-2632339 NONE | Recordkeeping fees; Other fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| PRUDENTIAL FUNDS EIN 22-3703799 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Recordkeeping fees; Other fees Service code 15 | — | $0 |
| THORNBURG FUNDS EIN 06-1158764 NONE | Other services; Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| TOUCHSTONE FUNDS EIN 31-0487145 NONE | Other services; Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 129 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 334 | $231K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 334 | $231K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 334 | $231K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 32 | $68K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | 217 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.